Individual planning for your full financial life

In today’s complex marketplace, even sophisticated investors are challenged to keep current and respond to rapidly changing conditions. By utilizing advanced asset allocation strategies and carefully selected money managers across a diverse range of equity and fixed-income disciplines, our objective is to provide you with an institutional-quality portfolio designed to help achieve your long-term financial goals.

Asset allocation does not guarantee a profit nor protect against losses.

Preserving your wealth and maintaining your high standard of living are likely among your highest priorities. Because people are living longer today, the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax planning, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset protection and reallocation.

Capital preservation and risk management take on added urgency when you achieve a substantial level of wealth. Maintaining your standard of living, providing for your family, generating income with minimal tax consequences, and safeguarding your wealth against unexpected events are the concerns that have taken center stage. With our extensive resources and expertise, we can help with all these issues. With our expertise and access to extensive resources, we can provide guidance on all these vital issues.

Our investment objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We believe that a proper allocation among different investments and asset classes can be an effective way to pursue your goals.

Asset allocation does not guarantee a profit nor protect against loss. Alternative investments are not suitable for every investor. They involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.

Having alternatives means having options to fit your ever-evolving needs. We believe diversification across a broad spectrum of asset classes is the best way to help our clients meet their long-term objectives, balancing risk and return.

For those who appreciate the potential of alternative investments in a comprehensive portfolio, we offer diversification through investments such as hedge funds, managed futures, funds of funds, private equity, private real estate, and other alternative investment options. Of course, alternatives aren’t for everyone, and we’ll carefully consider the options that complement your existing financial objectives before thoughtfully moving forward.

Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. You should consider the special risks with alternative investments, including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should only invest in alternative investments if you do not require a liquid investment and can bear the risk of substantial losses.

There are many scenarios that can lead to a concentrated stock position, and monetization strategies can be effective for optimizing your portfolio’s performance and providing needed liquidity. We can implement strategies to alleviate potential risk while staying aligned with your goals. Our team is knowledgeable about tax and regulatory standards. We understand the many factors our clients must take into account while managing their options, and offer the resources and expertise to ensure seamless and efficient execution.

We work closely with owners of privately held companies and are well-versed in effectively addressing the many personal, business, financial, legal and tax issues involved in growing and selling a business. The goal of the exit plan we develop for you is threefold: maximize transferable business value, ensure that you are financially prepared for the sale, and ensure there is a plan in place for “what’s next.”

Because insurance helps protect you from the unexpected, it plays a crucial role in your comprehensive financial plan. Raymond James provides a wide array of quality insurance alternatives, including life insurance, long-term care insurance and annuities. They can offer an important layer of safety for you, your family and your business.

We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants and tax attorneys – to help mitigate the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can improve your prospects for meeting your financial objectives. In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.

Please note: Changes in tax laws or regulations may occur at any time and, as financial advisors of Raymond James, we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.

Working with your legal and tax professionals, we can help develop a plan that enables you to maintain your lifestyle now while building a successful financial legacy for your future.

To meet the unique needs of our clients, we work closely with Raymond James Trust, N.A, which can serve in a number of roles, including trustee, co-trustee, custodian, personal representative, or agent to a trustee on several types of personal trusts.

Through our affiliate, Raymond James Trust, N.A., we offer a full array of trust structures, including charitable giving tools that may also feature tax advantages. Whether your goal is to minimize estate taxes, provide for loved ones or dictate how you want your wishes to be carried out, we can help.

As trustee, Raymond James Trust offers the professional management of skilled experts, impartiality in making investment decisions and dealing with beneficiaries, and state-of-the-art technology that helps serve clients better and faster. Raymond James Trust, N.A., is committed to working with attorneys to facilitate a seamless process on behalf of grantors.

Giving can not only help the organizations you choose, but can also generate personal tax benefits and advance your wealth management plan. We can help you with strategies that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.

Funding a child’s or grandchild’s higher education can be a personally rewarding use of your wealth. We can help you provide for this opportunity with investment vehicles such as Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.

Earnings in 529 plans are not subject to federal tax and in most cases state tax, as long as you use withdrawals for eligible education expenses, such as tuition and room and board. However, if you withdraw money from a 529 plan and do not use it on an eligible education expense, you generally will be subject to income tax and an additional 10% federal tax penalty on earnings. An investor should consider, before investing, whether the investor's or designated beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's qualified tuition program. Such benefits include financial aid, scholarship funds, and protection from creditors. 529 plans offered outside their resident state may not provide the same tax benefits as those offered within their state.

How you borrow and manage cash can be as important to the success of your wealth plan as having the appropriate investment strategy. That’s why we offer you a complete suite of cash management, banking and lending tools that give you the power to take advantage of your unique opportunities.

Lending solutions offered by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. Raymond James & Associates, Inc., and your Raymond James financial advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be put into contact with a Raymond James Bank employee for your residential mortgage needs. Insurance and annuities offered through Raymond James Insurance Group, an affiliate of Raymond James & Associates, Inc.

No matter where your business stands in its life cycle, our results-driven team stands ready to help you move it forward – with deep industry expertise driven by senior bankers. In addition to introducing you to experienced industry bankers and advisory and capital markets services, we can connect you to the specific support and resources you need for continued success. Our services include mergers and acquisitions, recapitalization and restructuring, private capital solutions, debt capital markets and equity capital markets.